Warmer days on the horizon means it is about time to cut down to two wheels. Though only half of the wheels of a typical car, motorcycles are certainly not only half of the price. As with all vehicles, insurance coverage is required in order to take to the open road. Motorcycles are considered their own type of vehicle and are given their own category of insurance. On the upside, this allows for the likelihood that it will be much cheaper than typical auto coverage. The professionals of TAB Insurance Agency LLC, serving the Austin, TX area, can help you with common questions to ask when searching for motorcycle insurance.
What Must I Have?
Motorcycle insurance state minimums are the same for motorcycles as for other automobiles. For Texas, that is $30,000 per person for injuries, with a cap of $60,000 per accident, and $25,000 for property damage.
What Should I Have?
A lot of that depends on your means. There are many additional elective policies that can be added to your minimum coverage for protection to your own vehicle for circumstances outside of your control. For example:
Personal Injury Protection (PIP)
Usually included in the standard minimum packages offered, PIP coverage is optional. However, you usually have to opt-out of this rather than opt-in. This standard PIP protection offers you $2,500 of coverage in the event that you are not at fault in an accident and the other driver does not have coverage.
Uninsured/Underinsured Motorist Coverage
This coverage ensures that you do not have to pay out-of-pocket for an accident caused by someone who lacks coverage, or a sufficient amount for the damage.
Contact the professionals of TAB Insurance Agency LLC, serving the Austin, TX area, to discuss your motorcycle insurance needs, today!